Mortgage Rates in Catlettsburg, Kentucky — March 2026
Updated March 2026 | Based on Catlettsburg market data and regional lending conditions
Catlettsburg is a smaller Kentucky community of 24,655 where home prices remain well below the national median, making homeownership more attainable. The current 30-year fixed rate here is 6.7% (0.05% above the national average). At a median home price of $177,500, the estimated $1,062/month payment (with 20% down) is affordable on the local median income of $50,500.
Current Mortgage Rates in Catlettsburg, KY
Below are the current average mortgage rates available in the Catlettsburg area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.7% | 6.65% | +0.05% |
| 15-Year Fixed | 5.95% | 5.89% | +0.06% |
| 5/1 ARM | 6.22% | 6.15% | +0.07% |
| FHA | 6.48% | 6.25% | +0.23% |
| VA | 6.23% | 6.05% | +0.18% |
| Jumbo | 6.95% | 6.85% | +0.1% |
Catlettsburg Housing Market Overview
At $177,500, Catlettsburg offers more affordable housing than most U.S. metros. The local cost of living index is 85.2 (100 = national average), and the median household income of $50,500 provides comfortable purchasing power in this market.
Monthly Payment Breakdown for Catlettsburg
Based on the median home price of $177,500 with 20% down ($35,500), here is what you can expect to pay monthly in Catlettsburg:
15-Year vs. 30-Year Mortgage in Catlettsburg
Choosing a 15-year mortgage in Catlettsburg at 5.95% instead of a 30-year at 6.7% would save you $114,840 in total interest over the life of the loan. However, your monthly payment would be $1,194 instead of $916 — an increase of $278 per month.
Calculate Your Catlettsburg Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Catlettsburg
What are the current mortgage rates in Catlettsburg, KY?
As of March 2026, the average 30-year fixed mortgage rate in Catlettsburg, Kentucky is 6.7%, while the 15-year fixed rate is 5.95%. FHA loans average 6.48% and VA loans 6.23%. These rates are 0.05% above the national average of 6.65%.
How much is a monthly mortgage payment in Catlettsburg?
Based on the median home price of $177,500 with 20% down, the estimated monthly mortgage payment in Catlettsburg is $916 for principal and interest. Including property taxes of $146/month, the total monthly housing cost is approximately $1,062.
What income do I need to buy a home in Catlettsburg?
Using the 28% rule, you would need an annual income of approximately $45,514 to afford the median-priced home in Catlettsburg at $177,500. The median household income in Catlettsburg is $50,500. The median income is currently sufficient to meet this threshold.
Is Catlettsburg a good place to buy a home in 2026?
Catlettsburg offers a below-average cost of living with a cost of living index of 85.2 (national average = 100). The property tax rate in Kentucky is 0.99%, which is near the national average. Catlettsburg has a population of 24,655 and offers a very affordable lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Catlettsburg, Kentucky area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.